Thinking About Filing For Bankruptcy?
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Huntsville & Decatur Area Bankruptcy Lawyer
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Law Offices of John C. Larsen - Huntsville Bankruptcy Attorney
Facing financial challenges is never easy. At Larsen Law, P.C., we understand that every situation is unique. Our goal is to help you get through this period as smoothly as possible with no surprises along the way. There are numerous factors that you must consider in deciding which chapter is best for your case. One of the many services provided by our office is to review your financial information and help you decide which chapter of Bankruptcy Law, if any, would best resolve your financial problems. We'll go through all the options together and make the decisions that are the best for you.

Why Choose Us

Our Law Practice

Bankruptcy Law is Our Specialty

The United States Bankruptcy Code provides debt relief for those who in good faith need relief. The Code provides immediate relief from debt collections, lawsuits, IRS levies, home and business foreclosures, repossessions and garnishments. Exemptions are available to protect some or all of your property. The Code is divided into chapters with each chapter setting forth the rules of a particular type of bankruptcy.

How We Can Help You

  • Protect your immediate financial situation by preventing creditors and collectors from contacting you or taking legal action against you.
  • Stop foreclosure and repossessions so that you can stay in your home and keep your vehicle during this difficult time.
  • Answer your questions about the bankruptcy process. We can counsel you on the facts and myths of bankruptcy law.
  • We can guide and represent you from preparing your case and initial bankruptcy filing, to the final discharge of your debts. We are a full service law firm for persons needing to file Chapter 7 or Chapter 13 bankruptcy.
  • IRS Debt Relief is possible for some types of IRS debts. Contact us for a free, no obligation consultation.
  1. Chapter 7
  2. Chapter 13
Wipe out debts for a fresh start.

Chapter 7 is a form of bankruptcy that allows you to liquidate your unsecured debt. Common examples of unsecured debts are credit cards, medical bills, payday loans, signature loans, repossession deficiencies, and judgments. If you stop paying unsecured debt there is not any property that the creditor can take from you because there is no collateral.

You would file Chapter 7 after you have exhausted all of your non bankruptcy options. However, it is all too common for people to make minimum payments for years, and attempt to work with their creditors, just to find themselves worse off than when they started. Therefore, Chapter 7 Bankruptcy is a responsible way for you to reorganize your finances, liquidate your debt, and achieve the fresh start you deserve.
A Chapter 13 Bankruptcy is a reorganization of your debt. Chapter 13 is a powerful tool to pay creditors on terms that are favorable to you. This chapter allows the Debtor to keep property that has delinquent payments.  A Debtor normally utilizes a Chapter 13 Bankruptcy in the following situations:

1. First, a Chapter 13 can allow a Debtor to stop the foreclosure of a residence or repossession of a vehicle. The repayment plan allows the Debtor to take any mortgage arrears and pay back the mortgage company over a 3-5 year period. This provides the Debtor an opportunity to impose payment terms favorable to the Debtor, rather than unrealistic terms imposed by a creditor.

2. Furthermore, debts that may not be dischargeable in a Chapter 7 can be paid back through a Chapter 13 Bankruptcy. Examples of non-dischargeable debts are delinquent income taxes and back due child support. The Chapter 13 Bankruptcy allows the Debtor to repay these debts over the 3-5 year payment plan and in most situations prohibits wage garnishment.
Are you struggling to pay your bills every month? Does your debt situation seem hopeless?
John Larsen has successfully concluded thousands of cases.
If you're thinking of filing for bankruptcy in Alabama, contact us for a free consultation.

Bankruptcy Attorney

We have law offices in Huntsville and Decatur, Alabama
Huntsville Bankruptcy Lawyer | Attorney
Call (256) 859-3008 for a Free Consultation
Huntsville Bankruptcy Lawyer
Call (256) 859-3008

About John C. Larsen

John Larsen is a graduate of Huntsville High School in Huntsville, Alabama. After high school, John attended the University of Alabama where he graduate Magna Cum Laude. John was also a Phi Beta Kappa honors scholar. John then went on to attend law school at the University of Alabama. After graduating from law school and passing the Alabama State Bar, John served as an attorney in the United States Army JAG Corp, where he served as trial counsel and prosecutor before going into private practice in Huntsville, Alabama. John has extensive experience in the area of consumer bankruptcy. John and his wife Sarah live on his farm out of Huntsville, John has four beautiful daughters, all of whom he loves to take fishing anytime he can get them to go. John is an avid sportsman and enjoys hunting and fishing on his farm.
"John was always available throughout my filing. He quickly answered emails and calls and proved to be a very reliable professional."

"John Larsen and his staff were very professional. I felt assured that I was in “good hands" and would recommend him to anyone that needs his assistance."


Frequently Asked Questions

Is it hard to file bankruptcy?

No. Although there is a lot of paperwork involved in filing bankruptcy, having a skilled and experienced attorney will make the process much less stressful and complicated. A couple of years ago, it became mandatory that all filings be done electronically, so that makes it a lot easier.

Will filing bankruptcy stop creditors calls?

Yes. Once your creditors have been notified that you have filed bankruptcy, they will not longer contact you. Instead, your creditors will work directly with our office.

Can I ever get credit again?

Yes. You can start rebuilding your credit immediately. Bankruptcy wipes out debt, which in turn helps improve your credit score. Making timely payments on the property that you choose to keep also helps raise your credit score. You will be able to get certain forms of credit as soon as your case is discharged—and sometimes sooner.

Can I can only file bankruptcy once?

No. You can file bankruptcy as many times as you want. However, you are limited on how often you can receive a discharge. You can receive a Chapter 7 discharge once every eight years, or a Chapter 13 discharge every two years. If you receive a Chapter 7 discharge, you have to wait six years before you can receive a Chapter 13 discharge. If you receive a Chapter 13 discharge, you cannot receive a Chapter 7 discharge for four years. If you do not receive a discharge, you can re-file as many times as you want. Be advised, however, that the court will punish serial filers by preventing them from filing again for six months or more.

Will I lose everything I own?

No. Bankruptcy makes it possible for you to keep the majority of your property, and it offers you protection from the collection efforts of your creditors, protections you simply don’t have outside of bankruptcy. The laws pertaining to property exemptions for debtors vary from state to state. Therefore, you should consult our office to properly advise you of the laws in your jurisdiction. Bankruptcy doesn’t always wipe out liens. This means that you will have to continue to pay for certain property if you want to keep it.

Is there is a minimum debt required?

Bankruptcy law does not set any minimum amount of debt necessary to file. If the debt appears to be beyond your ability to pay, you can elect to file bankruptcy if it represents a smart choice in your personal and financial situation.

I think I want to file for bankruptcy...

You can contact our office at (256) 859-3008. We will be glad to schedule an appointment for a free consultation.

Why Choose Larsen Law?

Client Oriented

Our clients get clear communication. We explain things in a way that makes sense.

Results Driven

We are dedicated to get results for our clients in North Alabama.


We've prepared numerous financial cases for many satisfied clients.


We'll present all the facts and options so you can make an informed decision on your case.


We understand this can be a difficult time for our clients. We're here for you now and in the future.


We believe that honesty and integrity are the core values that set us apart from other law firms.
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